Based on our survey of major pet insurance providers, pet insurance costs average $291 annually for cats and $536 for dogs in Montana, which is 16% cheaper than the national average. However, your dog's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Montana?
Updated: July 27, 2025
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Key Takeaways
In Montana, pet insurance for dogs is around $45 per month or $536 per year, and cat premiums are around $24 monthly or $291 annually.
According to our survey, Montana pet insurance costs are 16% lower than the national average for both dogs and cats.
Get the best cheap pet insurance in Montana by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Montana?
| Cat | $24 | $291 |
| Dog | $45 | $536 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Montana?
Below are the key factors affecting pet insurance costs in Montana and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Montana. Our baseline accident-only rates average $291 to $536 annually, while comprehensive accident and illness coverage ranges from $459 to $906 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, with annual premiums from $189 to $1,088, while dogs cost $324 to $1,556 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as your pet ages since older animals have higher risks of illness and injury. In Montana, annual premiums range from $189 for young pets to $1,867 for senior pets, assuming all other factors remain constant.
Location
Your location affects pet insurance rates due to regional differences in veterinary costs and risk factors. Montana pet insurance costs about $56 lower than the national average for cats and $103 lower for dogs per year. Rates remain fairly consistent across cities within Montana.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Montana Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Montana monthly prices range from $24 to $76, depending on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
Data filtered by:Results filtered by:
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $38 | $459 | -16% |
| Dog | $76 | $906 | -16% |
Average Montana Pet Insurance Cost by Breed
Your pet's type and breed significantly impact insurance costs, with monthly rates varying dramatically based on these genetic factors. According to national data, pet insurance premiums range from $42 to $197 per month across different breeds of cats and dogs.
Average Pet Dog Insurance Costs in Montana
In Montana, your dog's breed significantly impacts pet insurance costs, with monthly rates starting at $42 for small mixed breeds and reaching $197 for Bull Mastiffs. Check the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $85 | $1,018 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Montana
In Montana, cat insurance costs vary by breed, with monthly premiums ranging from $45 for Domestic Shorthairs to $62 for Abyssinian cats, and here's a detailed breakdown of rates for different breeds.
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Cat Breed:Abyssinian
| Abyssinian | $62 | $740 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Montana Pet Insurance Cost by Age
A pet's age is one of the top three factors affecting insurance costs in Montana, with annual premiums ranging from $189 to $1,867 per year due to increased health risks in older animals. Here's a detailed breakdown of age-based costs:
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Pet Type:Cat
| Under 1 | $16 | $189 |
| 1 | $17 | $206 |
| 2 | $18 | $221 |
| 3 | $20 | $241 |
| 4 | $22 | $264 |
| 5 | $24 | $287 |
| 6 | $26 | $311 |
| 7 | $36 | $426 |
| 8 | $30 | $366 |
| 9 | $34 | $403 |
| 10 | $37 | $448 |
| 11 | $42 | $502 |
| 12 | $47 | $564 |
| 13 | $51 | $607 |
| 14 | $56 | $675 |
| 15 | $62 | $745 |
| 16 | $69 | $823 |
| 17 | $70 | $838 |
| 18 | $77 | $924 |
| 19 | $84 | $1,007 |
| 20 | $91 | $1,088 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Montana Pet Insurance Cost by City
Your city barely affects pet insurance rates in Montana: just a few dollars difference per year. Below are costs for Montana's biggest city.
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Pet Type:Cat
| Billings | $24 | $291 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Montana
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Costs and Discounts
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Company Reputations
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Carefully examine the fine print of each policy, including waiting periods, exclusions, and annual limits. Make sure you understand what conditions are covered, any breed-specific exclusions, and how the reimbursement process works.
Average Pet Insurance Cost in Montana: Bottom Line
Montana ranks as one of the cheapest states for pet insurance. Expect to pay around $24 monthly for cats and $45 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Montana: FAQ
Find expert answers to common questions about pet insurance costs in Montana below:
How much does pet insurance cost in Montana?
Pet insurance costs an average of $45 per month for dogs in Montana, but depending on age, pricing ranges from $27 to $156 monthly. Cat insurance costs around $24 monthly in the state, but monthly pricing varies from $16 to $91 by age.
Is Montana pet insurance expensive?
Montana pet insurance is not expensive, ranking as one of the cheapest states to get pet insurance coverage for dogs and cats.
How should I go about buying pet insurance in Montana?
To buy pet insurance in Montana, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Montana
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.